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Insurance Carrier: Blue Cross Blue Shield
State: Illinois

Consumer Complaint:

In November 2008 my husband was laid off and his company subsequently went bankrupt. In September 2008 I had an EKG done and the cardiologist billed $160 for reading this EKG. Blue Cross Blue Shield is denying saying my contract was not in service. I don't know if the Company was paying the premiums or not. They WERE deducting premiums from my husband's paycheck. Should BCBS have to pay on this bill? If not, where I can I go to get some recourse for this matter? Thank you.

Insurance Expert Answer:

If the insurance coverage was not in force because the policyholder failed to pay the premium, you don't get paid even if the employer took money from the paycheck. You do have a claim against the bankrupt employer.